Investor Presentaiton

HOUSING LOAN PORTFOLIO BOQD GROUP SUMMARY . Carefully managed risk levels across housing portfolio, with average LVR of 66% 94% of customers with LVR<90% Increasing geographic diversification outside of QLD HOUSING PORTFOLIO BY LVR 6% 16% ■ Up to and including 60% 34% ■>60% to 70% ■ >70% to 80% ■>80% to 90% 27% ■ >90% 17% HOUSING PORTFOLIO BY STATE 15% 11% 3% 26% ■ QLD ■ NSW & ACT 45% - VIC ■ WA ■ OTHER Bank of Queensland Limited 2020 Full Year Results Presentation HOUSING PORTFOLIO BY CHANNEL 11% 15% ■ Corporate 18% - ОМВ 11% 45% ■ Broker ■ BOQS ■ VMA 57

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